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KSPI
Joint Stock Co Kaspi.kz
NASDAQ· Technology· Software - Infrastructure· CUSIP 48581R205
$90.53-3.19%Price as of Oct 23, 00:46 UTC · updated once a day, after the close
At a glance
Joint Stock Co Kaspi.kz (KSPI) is listed on NASDAQ and classified in Software - Infrastructure, part of the Technology sector. It is headquartered in Almaty, Kazakhstan and has 14,008 employees. The company is worth $17.2B and trades at 8.3x its earnings of the last twelve months; the median for its sector is 28.0x. Revenue was KZT 4.03T in fiscal 2025, up 59.8% from the year before. Net income was KZT 1.07T. The share price is 17.7% below its 52-week high of $109.94. It pays a dividend yielding 6.34%. 7 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Baillie Gifford (Baillie Gifford & Co), at $500.71M. In that quarter, 4 of them opened or added to the position and 1 reduced it. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Key metrics
- Market cap
- $17.2B
- P/E
- 8.3x
- Forward P/E
- 0.0x
- P/B
- 0.0x
- Dividend yield
- 6.34%
- Payout
- 52.61%
- EPS
- $10.91
- ROE
- 44.78%
- Profit margin
- 24.15%
- Revenue growth
- +13.60%
- Beta
- 0.18
- 52-week high
- $109.94
- 52-week low
- $68.59
History
Year by year, from the annual reports; dividends from the payments themselves.
Revenue, debt and profit are in KZT, the currency the company reports in — not converted to dollars. Dividends are in dollars.
Bars are year-end balances; lines are what happened during the year.
Investors holding this
Major managers that reported this stock in their latest 13F.
Price over time
▲ +1.9% over 5Y.
This stock has less than 5 years of price history — the answer would measure a shorter period than the one asked for.
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 2 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 |
|---|---|---|---|
| Year-end price | $78.13 | $94.71 | |
| EPS | KZT 5,592.00 | KZT 5,431.00 | |
| Dividend yield | — | — | 7.71% |
| Profit margin | — | 26.64% | 41.24% |
| ROE | — | 43.07% | 68.53% |
This company reports in KZT, and the stock trades in dollars. P/E, P/S, P/B and payout would divide dollars by KZT, so they are not shown; EPS is in KZT. Margin, ROE and dividend yield do not depend on the currency.
Median of the years shown; P/E years above 200x are left out.
Fair price, seven ways
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Earnings
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Earnings
$69.17
Earnings growing 0.0% a year plus a 6.3% dividend yield. Growth capped at 25%.
Earnings
$305.54
Median P/E of 28.0 among peers in the sector.
Earnings
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Cash flow
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Dividends
$104.37
Others in the same sector
Companies of similar size in Technology, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| GIBCgi Inc | $82.15 | 14.1x | 2.3x | 0.60% | 17.03% | $17.01B |
| LDOSLeidos Holdings, Inc. | $134.73 | 12.6x | 3.2x | 1.28% | 27.78% | $16.91B |
| MTSIMACOM Technology Solutions Holdings, Inc. | $229.73 | 87.0x | 11.4x | 0.00% | 17.18% | $17.54B |
| UUnity Software Inc. | $40.27 |
About the company
- 14,008
- Almaty, Kazakhstan
